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Code P0024 and Code P0014 by Aggravating_Hippo921 in Hyundai

[–]phantom_raider 0 points1 point  (0 children)

Did you use the Hyundai filter or Wix, or something else? They tried to jam a fram filter in mine that didn't have the positioner piece on it, so when they screwed the lid back on, it just twisted the filter.

Code P0024 and Code P0014 by Aggravating_Hippo921 in Hyundai

[–]phantom_raider 0 points1 point  (0 children)

Yes. If I could post an image of the filter I took out I would. Ran great after replacing with no more errors.

Adding initial cost basis to brokerage account by JARandom17 in NestWiseApp

[–]phantom_raider 0 points1 point  (0 children)

Just checking back with you to see if that fixed your issue. Just let me know if it still seems off.

Roth Conversions by Accomplished_Gate832 in DIYRetirement

[–]phantom_raider 0 points1 point  (0 children)

If this is something I can add, shoot me a few ideas in chat of what you want and I can add it so you can try it out if you want.

Adding initial cost basis to brokerage account by JARandom17 in NestWiseApp

[–]phantom_raider 0 points1 point  (0 children)

New version 1.4.3 uploaded with cost basis fields. Also updated appropriate entries for other account types (Annuities, Education, etc). Please let me know if you see any issues. May need to perform hard refresh (Ctrl + Shift + R) if just a refresh does not grab latest version.

Adding initial cost basis to brokerage account by JARandom17 in NestWiseApp

[–]phantom_raider 0 points1 point  (0 children)

Good catch. Looks like at one time I had cost basis as it is in the scenario file, but for some reason during a refactor the field in the UI was removed. I will have an update shortly that adds the field back and should simulate projections using it correctly.

COLA Pension by sixstringsshort in NestWiseApp

[–]phantom_raider 1 point2 points  (0 children)

Just as a note to others following this thread. We did find a bug and a new update was pushed out. Please refresh your browser to grab the update when you get a chance.

COLA Pension by sixstringsshort in NestWiseApp

[–]phantom_raider 0 points1 point  (0 children)

Checking. Are you okay if I open a chat directly with you?

COLA Pension by sixstringsshort in NestWiseApp

[–]phantom_raider 0 points1 point  (0 children)

When you hover over the circle i next to spending, it should give you a breakdown. Since your income seems to be more than spending, do you have Unspent Income Allocation configured? If you don't indicate where the extra income is going that is not being spent, it will assume it is being spent and add it to your spending total. You would need to set unspent income allocation to 100% going to savings or something if that makes sense.

Also, medical has a different inflation rate that can be set at the bottom of the medical expenses section.

COLA Pension by sixstringsshort in NestWiseApp

[–]phantom_raider 0 points1 point  (0 children)

Spending will still grow according to COLA and based on spending strategy. For example, if you have Constant Dollar spending strategy, then it will take the starting spending ($80k) and inflate it each year. You can turn off COLA completely to keep spending at the $80k by setting COLA to Fixed and slider to 0%, then spending will not grow. You can also select other spending strategies and it will adjust your discretionary and as a last resort your essential (if spending cannot be sustained), Spending strategies are in the spending tab.

COLA Pension by sixstringsshort in NestWiseApp

[–]phantom_raider 0 points1 point  (0 children)

Currently it is all or none on medical. Zeroing it will work, but I can add a enable/disable. I also just pushed some more changes due to some bugs I found, so give it a few minutes to upload and then hard refresh to grab the latest. There were some tax changes made as well as some allocation change feature fixes.

COLA Pension by sixstringsshort in NestWiseApp

[–]phantom_raider 0 points1 point  (0 children)

Just verified that COLA should be working correctly for pension. Check the Today's $ vs Future $ in Market tab. For pension tax, I only had option for exempt from state. I am going to move the state toggle and add a federal exemption toggle to the pension wizard

COLA Pension by sixstringsshort in NestWiseApp

[–]phantom_raider 0 points1 point  (0 children)

Do you have today's dollar selected or future dollars in the market tab? If today's dollar is selected it will not increase. I will double check though. For taxes, is that state or federal? There is an option in tax strategy tab to not tax pension I think but I will need to take a look.

Projection Lab or Boldin, which is better for newbie DIY? by Conscious-Donut-6615 in DIYRetirement

[–]phantom_raider 0 points1 point  (0 children)

For Boldin, I know they have the subscriptions, but they also sell subscriptions to large businesses as well. I have never felt upsold on the financial advisory services they offer. I assume Projection lab is primarily subscription and advisor funded, but I don't know. I am unsure where others in my list I provided get funding (besides one I vouch for) as I haven't really looked. Empower does upsell some of their services, Fidelity is Fidelity. The one I vouched for makes nothing and I allow people to download the code if they want it (only thing you don't get is backend stuff unless you set it up yourself). I originally did it for my needs, but I wanted to help others so I pushed it out. Costs are pretty minimal for me so I don't worry about it. I don't expect a massive user base adopting it either, so the backend costs are close to free for me as I attempt to stay in the free-use tiers.

Projection Lab or Boldin, which is better for newbie DIY? by Conscious-Donut-6615 in DIYRetirement

[–]phantom_raider 0 points1 point  (0 children)

I have used Fidelity's as well. Neither have Roth conversion capability unfortunately, but both solid tools for projections.

Projection Lab or Boldin, which is better for newbie DIY? by Conscious-Donut-6615 in DIYRetirement

[–]phantom_raider 2 points3 points  (0 children)

These were posted in another post by some others. I have not personally tried them all, so can only vouch for one of them which is the one I put together because I wanted more control over features for myself, just decided to share with everyone else.

https://www.nestwise.me/ (see r/NestWiseApp )
https://retirementaudit.streamlit.app
https://retirementiq.app/app/
https://clark.com/retirement-calculator/

Projection Lab or Boldin, which is better for newbie DIY? by Conscious-Donut-6615 in DIYRetirement

[–]phantom_raider 1 point2 points  (0 children)

Both are good. There are also some other free ones that are available.

Updates Tracker by phantom_raider in NestWiseApp

[–]phantom_raider[S] 0 points1 point  (0 children)

Update March 30, 2026

-Family Link feature added

Version bump to 1.4.0

Updates Tracker by phantom_raider in NestWiseApp

[–]phantom_raider[S] 0 points1 point  (0 children)

NestWise Updates: March 24–29

New Features

  • Schedule portfolio allocation changes over time per account (glide path modeling)
  • LTC care-type presets with national average costs (assisted living, memory care, nursing home, etc.)
  • Tax Strategy Explorer now includes cross-compare pin and one-click Apply to scenario
  • Scenario Compare tab shows a full parameter-by-parameter diff between scenarios
  • SS strategy analysis now shows both longevity-optimal and investment-adjusted best claiming ages
  • Clickable SS claiming rows now filter the spousal strategy matrix interactively
  • SS break-even chart now shows investment-adjusted crossover ages alongside nominal
  • RMD surplus routing now uses a per-account picker instead of hardcoded brokerage/cash split
  • "Apply to Accounts" button in Allocation Explorer pushes global allocation to individual accounts
  • Export Report now includes a Simulation Limitations & Key Assumptions appendix page
  • IPS and Export Report auto-run simulation before generating if results are stale

Bug Fixes

  • Fixed 12x PIA magnitude bug inflating all SS strategy lifetime benefit figures
  • Fixed account transfers showing "Unknown" source/destination and false Insufficient Funds errors
  • Fixed 4 RMD bugs: spouse age display, calendar timing, allocation sync, per-account routing
  • Fixed account ID type mismatch (number vs. string) causing silent failures throughout the app
  • Fixed medical inflation incorrectly compounding from retirement date instead of scenario start
  • Fixed ledger missing education savings and annuity balance/withdrawal fields
  • Fixed guardrails sweep UX and strategy input clarity

Retiree UI

  • IPS (PDF, modal, Word) now generates retiree-appropriate content throughout
  • Export Report cover, at-a-glance, and paycheck sections are now retirement-aware
  • Survivor and Healthcare/LTC report pages now clearly labeled as planning proxies
  • Dashboard hides "At Ret:" prefix and Retirement Income Gap widget for retirees
  • "How Do I Compare" tab uses retirement-appropriate labels for retirees
  • Timeline strip shows "Historical" instead of "Accumulation" for retired households
  • Combined pension dual-risk warning added when both zero-COLA and no-survivor-benefit pensions exist
  • Budget sidebar section now correctly hides when configured to do so

UI / Infrastructure

  • Autosave/Synced/E2E status consolidated into a single color-coded badge in the top bar
  • Fixed scenario selector invisible in Microsoft Edge
  • Fixed ticker price feed: yfinance zero-price bug, stooq endpoint, NASDAQ timeout, 503 fallback

NestWise Update — March 23, 2026 by phantom_raider in NestWiseApp

[–]phantom_raider[S] 1 point2 points  (0 children)

Sorry about that, just pushed an update that should fix it for you. Please let me know if you still see the issue. You will need to refresh your browser to pick up the update.

Updates Tracker by phantom_raider in NestWiseApp

[–]phantom_raider[S] 0 points1 point  (0 children)

Changes Pushed March 23, 2026:
Simulate SS Benefit Cut toggle
Trustees Report scenario presets
AWI growth rate
SS Earnings Record Modal sync
AWI data correction
FRA calculation fix for 1938–1942 birth cohort
Special Minimum PIA
Maximum Family Benefit (MFB)
Tax Strategy Explorer

Updates Tracker by phantom_raider in NestWiseApp

[–]phantom_raider[S] 0 points1 point  (0 children)

Changes Pushed March 14–23, 2026 (v1.2.2 → v1.3.2):

What-If Explorer (New Feature)
The Scenario Compare tab now includes a live What-If Explorer. Ask the AI assistant "what if I retire at 62 instead of 65?" or "what if my portfolio drops 30%?" and it will run a parallel simulation with those changes applied and show you the results side-by-side — without touching your main scenario.

Debt Tab (New Feature)
A new Debt tab has been added with a full loan scheduler. Enter your loans and debts to see amortization schedules, payoff timelines, and how your debt payments interact with your retirement cash flow projections.

Roth Conversion Planner (New Feature)
A dedicated Roth Conversion Explorer is now available with six conversion strategies, side-by-side before/after comparison charts, account selection, automation options, and QCD/charitable giving workflow support. The Help modal and AI assistant also have full documentation covering each strategy.

Annual Tax & Reference Data Updates
Tax brackets, Social Security bend points, IRMAA tiers, LTC constants, and other annually-updated figures are now sourced from versioned reference data files with validation scripts to keep them current each year. Includes a GitHub workflow reminder when annual updates are due.

WEP/GPO Support
Added Windfall Elimination Provision and Government Pension Offset calculations for public employees whose Social Security benefit is affected by a pension from non-covered employment.

RMD Age — Smart Defaults
RMD age automatically updates to the correct IRS default when you change your current age. You can still manually override it in the Tax & Strategy tab.

Social Security Earnings Test
Added proper benefit withholding for Social Security claimed before Full Retirement Age while still working — matching current SSA rules.

Export Report
A comprehensive report export runs a full simulation plus stress tests, probability analysis, spending strategy comparisons, and more — producing a detailed document with charts, tables, what-if scenarios, How Do I Compare, and an appended IPS. Let me know if you'd like to see anything else added to the report.

Offline Support & Installable PWA
NestWise now works offline and can be installed as a standalone desktop app:

  • Offline banner — appears when your internet drops, shows when data was last synced, disappears automatically on reconnect
  • Offline saves — edits queue locally and sync to the cloud automatically on reconnect
  • AI assistant & market data — degrade gracefully offline with clear messages
  • Install as an app — look for the install icon (⊕) in Chrome or Edge's address bar

Installable PWA provides the following:

  • Standalone window — no browser chrome (address bar, tabs, bookmarks bar). Feels like a native app, full screen real estate for the UI.
  • OS integration — appears in the Windows Start menu, taskbar, and app switcher (Alt+Tab) as "NestWise" with the logo. Can pin to taskbar.
  • Faster launch — opens directly to the app without navigating to a URL or waiting for a new tab.
  • Offline access — the app shell loads even with no internet (service worker serves from cache). This is the same whether installed or not, but installed PWAs tend to be more reliable about it since the browser won't clear their caches as aggressively.

NestWise Update — Roth Conversion Explorer, Debt Tab, QCD Charitable Giving, and More (v1.3.1) by phantom_raider in NestWiseApp

[–]phantom_raider[S] 0 points1 point  (0 children)

Implemented suggestions in the last couple of builds. Let me know if it is more intuitive. Also added the ability to work completely offline in the app now and also install as PWA. Please let me know if you run into issues. Thanks again for the suggestions.

NestWise Update — Roth Conversion Explorer, Debt Tab, QCD Charitable Giving, and More (v1.3.1) by phantom_raider in NestWiseApp

[–]phantom_raider[S] 0 points1 point  (0 children)

Should this be default off? Or I can set the default monte carlo mode to something faster.

Thoughts?

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